Announcing a New Member Benefit Program
Social Security Optimal Choice
Jointly sponsored by NYSDA and Altfest Personal Wealth Management
Smart decisions on Social Security retirement benefits can potentially mean tens of thousands of dollars,
or more, for you and your family. As New York State Dental Association (NYSDA) members, you and
your spouse can now take advantage of a new complimentary program that provides guidance in this
important area. The program is sponsored by NYSDA and provided by Altfest Personal Wealth
Management, which is endorsed by NYSDA to work with its members.
Altfest, a 31-year-old, independent fee-only financial planning firm, has been named one of the top RIAs
by Financial Times. Its founder and CEO, Lew Altfest, has been named a Top Independent Financial
Advisor by Barron’s. The firm specializes in working with dentists and has been endorsed by NYSDA since
2010. In addition to having NYSDA members as ongoing clients, the firm regularly publishes articles and
presents seminars as part of its goal to educate members about their finances.
While Social Security’s long-term viability has been questioned, Altfest believes that dentists
approaching retirement have no reason to fear substantial benefit reductions. More important
questions are when to begin taking benefits and how to get the most out of spousal benefits. Dentists
born in 1943 through 1954 can begin receiving full benefits at 66 - benefits are reduced if taken earlier
and increased if taken later. Spouses can collect on each other’s records. Smart Social Security claiming
decisions can maximize benefits.
Altfest is making it easy for you to take advantage of this complimentary member benefit. Enclosed are
step-by-step instructions for sending Altfest a small amount of information, as well as an envelope.
Altfest will arrange a time to discuss their recommendations with you in one of three mutually
convenient ways: a meeting at their Manhattan offices, a videoconferencing session, or a phone call.
To further assist you, Altfest is offering a 20-minute webinar at 5:30 p.m. on July 10th to describe the
program. We encourage you and your spouse to take part. To register, go online and type into your
internet navigation bar: www.altfest.com/webinar.php . After completing the form, you will receive a
confirmation email with a link to the webinar as well as pass code information.
The deadline to send in your information to take advantage of this member benefit is July 25. We
urge you to take advantage of this complimentary service, which can help you achieve the financially
independent retirement that is so important to all of us.
Sincerely,
Joseph
JosephR.
R.Caruso,
Caruso,D.D.S.
D.D.S.
Chairman
Chairman
Joseph R. Caruso, D.D.S.
Chairman
Joseph R. Caruso, D.D.S.
Chairman
NYSDA
NYSDASupport
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518-465-0044
FAX:518-465-3219
518-465-3219 E-mail:
E-mail:[email protected]
[email protected]
518-465-0044OR
OR800-255-2100
800-255-2100 FAX:
NYSDA Support Services, Inc.
20 CORPORATE WOODS BLVD. -# 602 ALBANY, NEW YORK, 12211
518-465-0044 OR 800-255-2100
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FAX: 518-465-3219
E-mail: [email protected]
To Obtain Your Complimentary Social Security Analysis From Altfest
Please complete the information below and mail this page, along with Pages 1 and 2 of the Social
Security Benefits Statements for you and your spouse, to David Novak of Altfest Personal Wealth
Management (212-406-0850, [email protected]) in the envelope provided. Instructions for obtaining
Social Security Benefits Statements are on Page 3. If you prefer not to send Social Security Statements,
complete Section A below instead. The deadline for submitting information to Altfest to participate is
July 25.
Your name _____________________________________________
Phone number ______________________________________
Email address ______________________________________
Your preference for discussing the results of the analysis (check one)
Meeting at Altfest’s Manhattan Offices (425 Park Avenue) _______
Phone call ______
Skype videoconference session _______
Section A – Complete only if you are not sending Social Security statements
Your date of birth _____/_____/______
Your benefit amount at age 62 _____________________________________
Your benefit amount at full retirement age _________________________
Your benefit amount at age 70 ______________________________________
Your spouse’s name _________________________________________________
Your spouse’s date of birth _____/_____/_____
Your spouse’s benefit amount at age 62 _____________________________________
Your spouse’s benefit amount at full retirement age _________________________
Your spouse’s benefit amount at age 70 ______________________________________
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To Obtain Your Social Security Statement
Obtaining your Social Security statement from the Social Security website is quick and easy
(approximately 10 minutes) by following the online instructions. You can also follow the instructions
below, provided by Altfest Personal Wealth Management.
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Go to http://www.socialsecurity.gov
Click Sign In at the top right corner
Click Create An Account in the blue box
Read the terms of service and, assuming you agree, check the box next to I agree to the Terms
of Service. Click Next
Fill in your full name, Social Security Number, Date of Birth, Address, Phone Number. Click Next
Answer the security questions carefully. This process is identical to the one you’d follow if
requesting a credit report. If none of the answers to a particular question apply, click None of
the above / does not apply.
Choose a username and a password. Your password must contain at least one uppercase letter,
one lowercase letter, at least one number and at least one symbol. The symbols below are
acceptable by the website for use in passwords:
!@#$%^&*
Create the reset questions, which you’ll need to answer if you forget your password.
Click Next twice.
Accept the terms of service. This will log you into your account.
Click Print/Save Your Full Statement. Click OK.
You will now see your complete, up-to-date Social Security Statement. You can print and/or
save it from your browser.
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